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Michigan Car Insurance

Michigan auto insurance law insists on your having a no-fault insurance policy. This policy allows you to drive your car in Michigan. You need Michigan auto insurance to buy even your car license plates.

Coverage under no-fault insurance policy

No-fault policy of Michigan auto insurance contains personal injury protection, property protection insurance, and residual liability insurance.

What is personal injury protection?

When you get hurt in a car accident, this coverage pays your medical expenses. It also pays your wages for three years. If you are unable to rejoin your work, you receive a maximum of $20 each day. If you die in the accident, your family receives monetary compensation for three years. This compensation would be equal to your earnings.

You can reduce the premium on such coverage by joining this with any other medical policy.

What is property protection insurance?

This covers the damages to other’s property and vehicles by your car. The maximum coverage is a million dollars.

What is residual liability insurance?

This coverage pays for the bodily injuries you cause to others in an accident. Michigan auto insurance pays a minimum of $20,000 to the person hurt or killed in the accident. If many people are hurt or killed, the insurance company pays a minimum of $40,000 to each person. If you damage property in another state, the coverage is $10,000. The court at times increases these limits. You can provide for such increase through extra liability insurance.

Kinds of Michigan auto insurance

Normally, no-fault insurance policy does not pay the damages to your car in an accident. Instead, the other person’s insurance pays for the damages to your car when another car hits your properly parked car. Otherwise, Collision and Comprehensive car insurance of Michigan auto insurance pay for the damages to your car.

Uninsured Motorists Coverage (UM)

When any uninsured motorist injures you or your family members, this coverage of Michigan auto insurance pays for the bodily injuries.

Michigan auto insurance provides you protection from legal suits in certain accident cases.

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